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How My Tyger is Democratizing
Credit Access for India Through Simple,
Trust-Driven Digital Lending Platform

DELIVERABLES
UI/UX, Product Design
INDUSTRY
Fintech / NBFC
PLATFORM
Mobile App
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Project Overview

Pavans Group designed and developed My Tyger App - Tyger Capital's customer-facing digital lending platform.

The platform simplifies the entire loan journey for first-time borrowers, MSMEs, farmers, and rural entrepreneurs, replacing complex paperwork and branch visits with an intuitive, guided digital experience while maintaining human trust through assisted flows.

The app empowers underserved customers in semi-urban and rural India to apply for loans, track applications, manage EMIs, view statements, and make payments - all through an intuitive, guided, and assisted digital experience.

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Their mission was clear

Build a simple, trustworthy digital lending platform for India

To achieve this, Tyger Capital needed more than just a basic app. They needed an intuitive, mobile-first platform that could simplify complex loan processes, build trust among first-time users, and support assisted digital journeys for semi-urban and rural customers.

Pavans Group partnered with Tyger Capital to design and develop My Tyger - a complete digital lending platform including a responsive web portal and a fast, user-friendly mobile app (Android & iOS).

About The Client

Tyger Capital is a rapidly expanding Non-Banking Financial Company (NBFC) focused on providing financial solutions to India - India's semi-urban and rural markets. The company serves MSMEs, farmers, small business owners, and commercial vehicle operators with a strong physical distribution network combined with digital innovation. Tyger Capital aims to bridge the credit gap by financing income-generating assets and building lifelong partnerships with its customers.

Business Challenges

Despite rising smartphone penetration across India, access to credit in non-metro and rural regions remained extremely difficult. Tyger Capital faced several critical challenges while trying to digitally empower its underserved customers.

01

Performance & Usability Barriers

Complex and lengthy loan application processes, heavy dependency on physical branches and intermediaries, and low digital literacy made the traditional lending journey slow and frustrating for first-time borrowers.

02

Trust & Transparency Gaps

Users had limited trust in digital financial platforms due to lack of transparency in loan terms, unclear application status, fear of hidden charges, and poor visibility into approval and repayment processes.

03

Infrastructure & Experience Constraints

Fragmented customer experience across channels, language barriers, inconsistent internet connectivity, and the need for assisted journeys created significant hurdles in delivering a seamless and inclusive digital lending solution.

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Key Question?

How might we create a simple, trustworthy digital platform that enables first-time and underserved users in India to easily apply for understand, and manage loans without losing the human touch?

Our solution: My Tyger platform

Pavans Group designed and developed My Tyger as a simple, mobile first self service digital
lending platform that combines intuitive guided flows with assisted digital journeys for first
time and underserved users in India.

01

Mobile App Capabilities

An intuitive mobile app with guided loan applications, active loan management, instant payments, refer & earn, and offline friendly features for rural users.

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  • One-tap loan application with step-by-step guided flow
  • Secure login via OTP and mPIN with Forgot mPIN recovery
  • Active & closed loans section with EMI progress bar and pay now option
  • Quick action cards (Top Up Loan, Pending Documents, Statements, Help & Support)
  • Refer & earn program with seamless referral flow
  • Online payment gateway with overdue and EMI selection
  • Help & support with customer care, whatsApp, and ticket raising
  • Offline-friendly design with low-data usage for rural users

Enterprise modules powering My
Tyger platform

The My Tyger platform was designed as a modular, user-centric digital lending system
to simplify loan applications, build trust, and deliver seamless experiences for first-time
borrowers and underserved customers across India.

The platform empowers
users to

  • Apply for loans instantly
  • Track application status in real time
  • Manage EMIs and repayments
  • Access complete account details
  • Connect seamlessly with support
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Target Users

  • Small business owners (MSMEs)
  • Farmers and rural entrepreneurs
  • Commercial vehicle owners
  • First-time borrowers in tier-3/4 towns and villages
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Value Proposition

  • Faster loan processing with minimal branch visits
  • Transparent real-time tracking and payments
  • Hybrid model (self-service + agent-assisted) for higher trust
  • Simple, guided flows with clear language and visual cues
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Intelligent Ticketing System

  • Real-time tracking of all support tickets with status and history
  • Quick and simple form to create new tickets with attachments
  • Seamless progress monitoring and notifications
  • End-to-end ticket management without calling or visiting branches
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Key Insights

  • Users trust people more than platforms - hybrid (agent + app) model is essential
  • Borrowers prefer simple, guided, step-by-step flows over complex self-navigation
  • Major pain points: fear of mistakes, unclear terms, lack of status visibility, language barriers, and poor internet connectivity
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Key Features Delivered

A powerful set of tools built specifically for first-time borrowers and
underserved customers in India, delivering a simple, guided,
and trustworthy digital lending experience.

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Secure login

Splash screen, Welcome screen, OTP-based login, mPIN login, Forgot mPIN flow

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Home dashboard

Personalized greeting, Active Loans & Closed Loans tabs, EMI progress bar, quick actions

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My loans management

View loan details, outstanding amount, tenure, EMI, overdue, Pay Now, See Details

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Quick actions cards

Top Up Loan, Pending Documents, Statements of Account, Help & Support

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Refer & earn program

Complete referral flow with Add Referral form

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Payments

Online Pay Now with overdue/EMI selection, amount validation, and success screen

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Documents & statements

Access SOA, Repayment Schedule, Interest Certificate, Provisional IC

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Help & support

Customer care popup, WhatsApp, tickets, and call options

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Key Takeaways

Digital transformation in lending succeeds when trust, simplicity, and hybrid
human + digital models come together especially for first-time users in India.

  • Digital transformation in lending is not just about technology - it's about trust and accessibility.

  • Hybrid human + digital models are critical for success in emerging markets like India.

  • For first-time users, simplicity and clarity matter far more than feature richness.

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Conclusion

A win for Empowering India through better
lending experiences

My Tyger represents a strategic milestone in Tyger Capital's mission to bridge the credit gap in India. By combining intuitive digital design with human-assisted support, the platform is making formal credit simple, transparent, and trustworthy for millions of underserved Indians.

Pavans Group helped transform complex lending processes into an empowering digital experience that puts the user first - proving that thoughtful design can truly democratize financial services in India.

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Active
100K+
Users

Ready to transform your Lending or Fintech journey?

If you're an NBFC, fintech startup, or financial institution looking to build a simple, trustworthy, and inclusive digital lending platform, we can help you create the same impact.

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